Caixaguissona

What Caixaguissona does

CaixaGuissona, legally Caja Rural de Guissona, Sociedad Cooperativa de Crédito, is a Spanish cooperative credit institution founded in 1976 and headquartered at C/ Traspalau 8 in Guissona, Lleida, Catalonia. It operates under the corporate umbrella of Corporación Alimentaria Guissona, SA (bonÀrea Agrupa) and serves retail individuals, small and medium enterprises, owner communities, and the agricultural sector across Catalonia. The bank provides a full suite of financial products: Multicuenta current accounts, Dipòsit Plus term deposits, Basic Payment accounts conforming to EU regulation, Visa Classic and Visa Electron cards (offered free of charge), variable and mixed-rate mortgages (Hipoteca Primer Habitatge, Hipoteca Mixta) with zero opening commissions, consumer loans including Crèdit Consum, CrediCotxe auto loans, and Préstec Reforma home improvement loans, plus investment funds (Fondguissona FIM, Fondguissona Global Bolsa FIM), pension plans (Agropecuaria de Guissona F.P., Guissona Bolsa F.P.), and life and agricultural insurance intermediated through bonÀrea Assegura.

The institution runs a multi-channel delivery model: a physical branch network with appointment-based advisory (Cita prèvia), a digital banking platform built around the CaixaGuissona mobile app and CaixaGuissona Sign digital signature application (which replaces SMS codes with app-based authorization), and the API Market open banking portal — PSD2-compliant and powered by Cecabank — exposing ACCOUNTS, BALANCES, PAYMENTS, and TRANSACTIONS APIs to third-party providers. Payments infrastructure integrates Bizum (0.50€–500€ daily transfers), Apple Pay, Google Wallet, and Visa Click to Pay. A virtual assistant named Ona handles basic customer inquiries. Specialized agricultural services cover DUN/PAC subsidy applications, CAP and FEADER funds, Agroseguro crop and livestock insurance contracting, and DAN nitrate declaration filings, executed in coordination with the Catalan government's Departament d'Acció Climàtica, Alimentació i Agenda Rural (DACC).

As a cooperative, CaixaGuissona is owned by its member-customers rather than public shareholders, with no venture capital, private equity, or stock exchange listing identified. Revenue mechanics combine net interest margin on mortgage and consumer lending, recurring management and performance fees on investment funds and pension plans, commission-based insurance intermediation through bonÀrea Assegura, fees for account maintenance and transfer services filed with the Banco de España, and agricultural advisory fees. The Conseil Rector (Board of Directors) is presided over by Daniel Marsol Trescents and includes both dominical and independent members, with Marta Montane Simó heading the General Risk Function. No financial figures, revenue, headcount, or growth metrics are publicly disclosed in the source material.

Name

Caixaguissona

Legal name

Caja Rural de Guissona, Sociedad Cooperativa de Crédito

Website

https://caixaguissona.com

Company type

Private

Founded year

1976

Operating status

Operating

Short description

CaixaGuissona is a 1976-founded Spanish cooperative credit bank in Catalonia serving retail individuals, SMEs, owner communities, and farmers with deposits, mortgages, loans, cards, investment funds, pension plans, insurance, and agricultural advisory through branches, mobile apps, and a PSD2 API Market.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Cooperative banking services
• Retail mortgage lending
• Agricultural banking services
• Investment fund management
• Digital banking platform

Headquarters

HQ city

Lleida

HQ country

Spain

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Revenue from interest spread on mortgage loans, personal loans, credit facilities, and other lending products. Variable and fixed-rate mortgage products generate interest income.
2. Deposit Products: Returns on savings accounts, term deposits (Dipòsit Plus), and Multicuenta products. Competitive deposit rates offered to attract customer funds.
3. Insurance Products (bonÀrea Assegura): Commission revenue from insurance intermediation covering personal (health, life, accidents), business (multirisk, vehicles, D&O), and agricultural (Agroseguro) lines.
4. Investment Fund Management: Revenue from Fondguissona FIM and Fondguissona Global Bolsa FIM investment funds, including management and performance fees.
5. Pension Plans: Agropecuaria de Guissona F.P. and Guissona Bolsa F.P. pension plans with associated management fees.
6. Card Services: Card transaction fees, though primary cards (Visa Classic, Visa Electron) are offered free of charge.
7. Agricultural Services: Advisory and brokerage services for agricultural subsidies, insurance, and administrative procedures.
8. Account and Service Fees: Fees for various banking services including account maintenance, transfers, and electronic banking. Maximum tariffs filed with Bank of Spain.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

CaixaGuissona is a regional cooperative credit institution (Caja Rural de Guissona, Sociedad Cooperativa de Crédito) providing retail and commercial banking services in Catalonia, Spain. It offers deposit accounts, term deposits, payment cards (Visa Classic and Visa Electron), mortgages (variable and mixed-rate), personal and auto loans, investment funds, pension plans, and securities trading. The bank also brokers insurance through bonÀrea Assegura and provides specialized agricultural advisory and subsidy processing services. Distribution spans physical branches, mobile applications, online banking, and a PSD2-compliant API Market for third-party providers.

Product overview

CaixaGuissona is a cooperative banking institution (Caja Rural de Guissona) offering a comprehensive suite of financial products and digital services. The core banking offering includes Multicompte accounts, Deposit Plus term deposits, and Basic Payment accounts. Investment services encompass Fondguissona FIM and Fondguissona Global bolsa FIM funds, plus the GVC Gaesco-powered stock trading platform for equities and ETFs. Retirement solutions include Agropecuaria de Guissona F.P. and Guissona bolsa F.P. pension plans. Credit products feature Visa Classic and Visa Electron cards, Hipoteca primer habitatge and Hipoteca mixta mortgages, consumer credit (Crèdit Consum), auto loans (CrediCotxe), and Préstec Reforma home improvement loans. Digital services include the App CaixaGuissona mobile banking app and App CaixaGuissona Sign for digital signatures. The bank integrates with Apple Pay, Google Wallet, Bizum, and Click to Pay. An API Market platform enables PSD2-compliant access for third-party providers.

Differentiator

Problem solved

Functional benefit

Products and services

• App CaixaGuissona Mobile banking application for iOS and Android providing account management, transactions, card controls, and Bizum payments. Features secure login, biometric access, and real-time notifications.
• App CaixaGuissona Sign Digital signature application for authorizing transactions, transfers, and online purchases without SMS codes. Provides the fastest and most secure path for transaction approval.
• Multicompte CaixaGuissona Multi-account banking service for individuals and companies allowing management of multiple accounts with consolidated overview.
• Dipòsit Plus Term deposit product offering competitive interest rates for fixed-term savings with various maturity options.
• Compte de pagament bàsic Basic payment account complying with EU regulations providing essential banking services at reduced or no cost.
• Fondguissona FIM Investment fund managed by CaixaGuissona offering diversified portfolio investment opportunities.
• Fondguissona Global bolsa FIM Global equity investment fund focused on stock market investments with international diversification.
• Agropecuaria de Guissona F.P. Pension plan targeting agricultural sector workers with tailored retirement savings products.
• Guissona bolsa F.P. Stock-focused pension plan offering equity-based retirement investment options.
• Compra-venda de Valors Stock trading platform integrated with GVC Gaesco providing real-time investment access to stocks, funds, and ETFs with transparent pricing.
• Visa Classic CaixaGuissona Free credit card enabling worldwide purchases and cash withdrawals at ATMs. Minimum credit limit of 200 euros with monthly billing.
• Visa Electron CaixaGuissona Free debit card for purchases and cash withdrawals with daily limit of 300 euros. Immediate charging to current account.
• Hipoteca primer habitatge First home mortgage with no commissions. Variable rate starting at 1.90% first year, then Euribor + differential. Maximum 35-year term for qualifying applicants.
• Hipoteca mixta Hybrid mortgage with fixed rate period (3, 5, or 10 years) followed by variable rate. Fixed rates from 2.59% to 2.89% during initial period.
• Crèdit Consum Personal consumer credit for financing purchases and unexpected expenses with flexible terms.
• CrediCotxe Specialized car loan for vehicle purchases with competitive rates and flexible repayment options.
• Préstec Reforma Home improvement loan with 0 euro opening commission, 0 euro study commission, and 0 euro early cancellation commission. TIN 4.50% (TAE 4.59%) up to 5 years.
• Pòlissa de vida Life insurance product offered in partnership with bonÀrea Assegura for financial protection.
• Seguros (bonÀrea Assegura) Comprehensive insurance brokerage service through bonÀrea Assegura offering personal, business, and agricultural insurance products.
• Servei Tràmits i Assegurances Agràries Agricultural services including subsidy applications (DUN, CAP payments), crop insurance through Agroseguro, and nitrogen declarations management.
• Testamentar Inheritance management service assisting beneficiaries with death certificate processing, will retrieval, and estate settlement.
• API Market Developer portal providing PSD2-compliant open banking APIs for third-party providers including account information, balance queries, payments initiation, and transaction history.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature4 records

Partnerships

Seven partnerships are on record, tiered core.

• bonÀrea AgrupacoreStrategic or Co-development PartnerbonÀrea Agrupa is the parent commercial group of Caja Rural de Guissona. CaixaGuissona website features cross-links to bonÀrea Agrupa services. bonÀrea Assegura provides insurance services. Developer of the CaixaGuissona mobile app. C/ Traspalau, 8 Guissona (Lleida) is the shared address.
• GVC GaescocoreTechnology or IntegrationInvestment platform partnership through which CaixaGuissona customers can buy and sell stocks, investment funds, and ETFs. GVC Gaesco provides the trading platform infrastructure, real-time monitoring, and investment product range. Customers can access positions in securities accounts through CaixaGuissona.
• AgrosegurocoreChannel Partner/ Reseller/ DistributorAgricultural insurance provider for climate-related risks covering crops (fruits, cereals, vineyards, olives, almonds, pistachios) and livestock. bonÀrea Assegura assists with contracting and claims management for Agroseguro products.
• VisacoreTechnology or IntegrationCard network provider for Visa Classic and Visa Electron debit/credit cards. Visa Click to Pay integration for online purchases. Partnership enables contactless payments, mobile wallet integration (Apple Pay, Google Wallet), and global acceptance.
• BizumcoreTechnology or IntegrationMobile payment service enabling instant money transfers between Spanish banks via phone number. Integrated into CaixaGuissona digital banking. Transfers from 0.50 euros to 500 euros daily maximum.
• CecabankcoreTechnology or IntegrationAPI infrastructure provider for the API Market platform. Cecabank provides the technical platform supporting PSD2-compliant open banking APIs, performance metrics, and statistics for the developer portal.
• Departament d'Acció Climàtica, Alimentació i Agenda Rural (DACC)coreOthersCatalan government department for agricultural policy. CaixaGuissona/bonÀrea assists farmers with DUN (Declaració Única Agrària) submissions, CAP subsidies, and EU agricultural fund applications through the Contracte Global d'Explotació (CGE) framework.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cajamar Caja Rural: Spain's largest cooperative credit institution (caja rural), serving rural and agricultural communities under a similar cooperative banking model. Direct comparable due to shared cooperative ownership structure, agricultural lending focus, and regional deposit-taking model.
• Caja Rural de Teruel: Small regional cooperative credit institution similar to CaixaGuissona, focused on Aragon and operating under Spain's rural cooperative banking framework. Directly comparable in scale, product offering, and target customer segments.
• Caja Rural de Navarra: Regional cooperative bank in Navarra with similar cooperative credit institution structure, retail banking focus, and agricultural services. Comparable in operating model and regulatory framework.
• Laboral Kutxa: Spanish cooperative bank originally founded as a credit section of a workers' cooperative, now operating as a full-service retail bank. Comparable as a cooperative-style financial institution with regional presence and similar product portfolio.
• Caja de Ingenieros: Spanish cooperative credit institution serving engineers and professionals under a mutual/cooperative model. Comparable as a cooperative bank with regional focus, digital banking offerings, and member-based ownership structure.

Broad incumbents

• CaixaBank: Spain's largest retail bank with extensive Catalonia presence. Overlaps with CaixaGuissona in retail deposits, mortgages, and digital banking but operates at vastly larger scale and offers a broader product suite beyond the caja rural niche.
• BBVA: Major Spanish retail bank with national branch network and digital banking platform. Competes with CaixaGuissona in retail deposits, mortgages, and consumer credit but with much broader geographic reach and product portfolio.
• Bankinter: Mid-sized Spanish universal bank with strong digital banking capability. Overlaps with CaixaGuissona in retail banking, mortgages, and digital platforms but operates at larger scale with national reach.

Regional players

• Ibercaja Banco: Mid-sized Spanish regional bank with strong presence in Aragon and neighboring regions adjacent to CaixaGuissona's Catalonia territory. Comparable as a regional bank with similar customer base and agricultural exposure.
• Banca March: Family-owned Spanish private bank serving retail and private banking clients. Comparable in scale to CaixaGuissona as a smaller Spanish bank, though focused on private banking and Balearic Islands geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/caixaguissona
• LinkedInlinkedin.com/company/caixaguissona

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caixaguissona